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Protecting Your Income


How would you pay the bills if you were too ill to work? Income Protection will protect your income to help enable you to pay all your bills, not just your mortgage.



What is Income Protection?


Income Protection is an insurance policy that provides you with a regular tax-free income if you can't work because of illness or disability. The benefit paid is up to a maximum percentage of your earnings - often 50% or 60% of gross pre-disability earnings.


Policies pay out after you have been off work for a period of time known as the 'deferred period', and will continue to pay out until you can get back to work or until the end of the policy term, whichever is soonest.


You can choose a deferred period from 1 week up to a year, depending on how long you may be able to survive on any savings or how long you receive sick pay from your employer.


Find out how long you could survive without an income using L&G's calculator :


Please be aware that by clicking onto the above link you are leaving the What Life website.  Please note that neither What Life or First Complete Ltd are responsible for the accuracy of the information contained within the linked site accessible from this page.



Peace of Mind


We can also offer you Private Medical Insurance through a panel of providers.


Private medical insurance provides you with peace of mind if you become ill with a short term medical condition. Having health insurance in place means that you can have prompt access to specialists who will help you find out what's wrong quickly and access private treatment that can set you on the road to recovery.


All this can be done in the comfort of a private hospital facility at a time and location that suits you.



We will charge a broker fee of between £0 and 1% of the value of the mortgage (i.e. a maximum of £500 on a £50,000 mortgage) at application. The overall amount of the fee is dependent on the amount of research and administration that is required.


The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.


What Life & Mortgages refer to a specialist third party for advice regarding estate planning. Neither What Life & Mortgages or PRIMIS Mortgage Network are responsible for the advice given.


What Direct Ltd trading as What Life & Mortgages, Pavilion 2000, Amy Johnson Way, York YO30 4XT registered in England, No: 07071175 is an appointed representative of PRIMIS Mortgage Network (PRIMIS), a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority. PRIMIS is only responsible for the service and quality of advice provided to you in relation to mortgages, protection insurance and general insurance products. Any other product or service offered by What Life & Mortgages  may not be the responsibility of PRIMIS and may also not be subject to regulation by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some forms of Buy to Let.

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